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Debt relief & credit repair

ERC debt relief & credit repair complaints

Consumers have filed 22 complaints about ERC's debt relief & credit repair. See the whole ERC record.

ERC against other debt relief & credit repair companies

#Company12 monthsChangeOn timeReliefAll time
1Experian351+4%100%10%1,702
2Equifax256+30%100%32%1,123
3TransUnion249+26%100%58%1,115
4Consumer Financial Services Solutions224+104%68.8%0%403
5National Debt Relief180+50%98.9%0%350
6Encore Capital (Midland Credit)146+19%100%23%384
7Freedom Financial Network96+28%100%27%492
8Resurgent Capital Services93+31%100%21%221
9The J. G. Wentworth91+98%100%0%157
10Capital One86+7%100%16%376
11Kikoff72+11%100%0%208
12Americor Funding54+54%100%0%154
13ERC (Enhanced Recovery Company)0new--22

Every debt relief company ranked

Latest ERC debt relief & credit repair complaints

ReceivedAboutIssueStateAnswerOn time
Aug 8, 2023Debt relief & credit repairProblem with customer serviceNMExplainedYes
Jun 26, 2023Debt relief & credit repairFraud or scamTXExplainedYes
May 22, 2023Debt relief & credit repairUnexpected or other feesNJExplainedYes
Nov 16, 2022Debt relief & credit repairConfusing or misleading advertising or marketingINExplainedYes
Oct 15, 2022Debt relief & credit repairFraud or scamGAExplainedYes
Oct 12, 2022Debt relief & credit repairFraud or scamNYExplainedYes
Sep 2, 2022Debt relief & credit repairFraud or scamCAExplainedYes
Jul 5, 2022Debt relief & credit repairFraud or scamTXExplainedYes
Apr 8, 2022Debt relief & credit repairFraud or scamCAExplainedYes
Apr 7, 2022Debt relief & credit repairFraud or scamCAExplainedYes
Apr 2, 2022Debt relief & credit repairFraud or scamCAExplainedYes
Mar 31, 2022Debt relief & credit repairFraud or scamNVExplainedYes
Mar 29, 2022Debt relief & credit repairFraud or scamCAExplainedYes
May 18, 2021Debt relief & credit repairFraud or scamCAExplainedYes
Apr 10, 2021Debt relief & credit repairFraud or scamTXExplainedYes
Mar 31, 2021Debt relief & credit repairUnexpected or other feesWIExplainedYes
Oct 16, 2020Debt relief & credit repairFraud or scam-ExplainedYes
Apr 27, 2020Debt relief & credit repairUnexpected or other feesCAExplainedYes
Sep 13, 2019Debt relief & credit repairUnexpected or other feesFLExplainedYes
Jan 21, 2019Debt relief & credit repairConfusing or missing disclosuresWIExplainedYes
Dec 14, 2017Debt relief & credit repairConfusing or misleading advertising or marketingFLExplainedYes
Jun 5, 2016Debt relief & credit repairFraud or scamNYClosedYes

Your rights with debt relief & credit repair companies

The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.

Scam warning: Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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